Lincoln Savings Bank Mortgage Rates, Fees & Info

Reinbeck, IA

LEI: 549300XY02VS45I5ZZ90

Tax ID: 42-0380690

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Lincoln Savings Bank is a smaller bank specializing in Home Purchase and Refi loans. Lincoln Savings Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Des Moines, Waterloo, Minneapolis, Ames, and Kansas City among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Lincoln Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Lincoln Savings Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.50% 12/3/24
    30 Year Conventional Refi 6.45% 12/3/24
    30 Year Cash-out Refi 6.60% 12/3/24
    30 Year FHA Purchase 7.24% 12/3/24
    30 Year FHA Refi 7.16% 12/3/24
    30 Year VA Purchase 6.14% 12/3/24
    30 Year VA Refi 5.81% 12/3/24
    30 Year USDA Purchase 6.70% 12/3/24
    15 Year Conventional Purchase 5.87% 12/3/24
    15 Year Conventional Refi 5.85% 12/3/24
    15 Year Cash-out Refi 5.85% 12/3/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Lincoln Savings Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Lincoln Savings Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,322

    Origination Dollar Volume (All Markets)

    $563,290,000

    Employee count

    341 Show all (8) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1,629 $390,125,000 $239,487 $2,834 3.04%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 275 $54,875,000 $199,545 $2,188 3.29%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 8 $35,350,000 $4,418,750 $2,845 2.98%
    Outside of Metro Areas 195 $29,335,000 $150,436 $2,466 3.31%
    AMES, IA (FHA|USDA|VA) 78 $17,640,000 $226,154 $2,704 3.08%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 19 $6,295,000 $331,316 $2,576 2.87%
    Pella, IA (FHA|USDA|VA) 21 $3,815,000 $181,667 $2,807 3.02%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 10 $2,680,000 $268,000 $2,458 3.24%
    Mason City, IA (FHA|USDA|VA) 7 $2,505,000 $357,857 $2,188 3.20%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $1,965,000 $280,714 $5,867 2.79%
    Marshalltown, IA (FHA|USDA|VA) 6 $1,830,000 $305,000 $2,270 3.69%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,550,000 $387,500 $3,968 3.00%
    Spirit Lake, IA (FHA|USDA|VA) 4 $1,320,000 $330,000 $2,656 3.31%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 5 $1,165,000 $233,000 $2,468 3.20%
    Fort Dodge, IA (FHA|USDA|VA) 5 $1,085,000 $217,000 $1,930 2.83%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $880,000 $220,000 $3,511 3.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $800,000 $400,000 $4,653 2.81%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $750,000 $375,000 $3,427 2.69%
    Brainerd, MN (FHA|USDA|VA) 2 $730,000 $365,000 $2,440 2.81%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $725,000 $241,667 $2,424 2.96%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $640,000 $320,000 $3,643 2.63%
    Oskaloosa, IA (FHA|USDA|VA) 3 $635,000 $211,667 $3,124 3.46%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $625,000 $208,333 $2,823 3.00%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $590,000 $295,000 $3,505 3.63%
    IOWA CITY, IA (FHA|USDA|VA) 3 $505,000 $168,333 $1,911 3.08%
    Winona, MN (FHA|USDA|VA) 1 $475,000 $475,000 $3,582 2.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $470,000 $235,000 $2,178 2.38%
    New Ulm, MN (FHA|USDA|VA) 1 $415,000 $415,000 $2,904 3.25%
    Clinton, IA (FHA|USDA|VA) 1 $385,000 $385,000 $2,811 3.88%
    Kirksville, MO (FHA|USDA|VA) 2 $320,000 $160,000 $2,005 2.94%
    Baraboo, WI (FHA|USDA|VA) 1 $315,000 $315,000 $1,526 2.75%
    Muscatine, IA (FHA|USDA|VA) 2 $300,000 $150,000 $2,213 2.63%
    ROCHESTER, MN (FHA|USDA|VA) 2 $300,000 $150,000 $1,948 2.75%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $275,000 $275,000 $12,013 2.25%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $265,000 $265,000 $3,939 4.00%
    Branson, MO (FHA|USDA|VA) 2 $250,000 $125,000 $2,626 3.56%
    Carroll, IA (FHA|USDA|VA) 2 $240,000 $120,000 $1,969 2.81%
    MADISON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $1,911 2.63%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $205,000 $205,000 $6,448 3.25%
    Grand Rapids, MN (FHA|USDA|VA) 1 $175,000 $175,000 $2,887 2.75%
    Ottumwa, IA (FHA|USDA|VA) 1 $145,000 $145,000 $4,830 2.75%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $115,000 $115,000 $1,826 3.63%
    Lincoln Savings Bank's top markets include Des Moines, Waterloo, Minneapolis, Ames, and Kansas City among others.

    Their top states include:
  • Iowa (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Lincoln Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    BankIowa of Cedar Rapids
    Similarity Rank: 76
    Fidelity Bank & Trust
    Similarity Rank: 125
    FINANCIAL PLUS Credit Union
    Similarity Rank: 172
    GREATER IOWA CREDIT UNION
    Similarity Rank: 276
    Fidelity Bank
    Similarity Rank: 387
    I. H. MISSISSIPPI VALLEY CREDIT UNION
    Similarity Rank: 442
    Premier Credit Union
    Similarity Rank: 588
    MEMBERS1st Community Credit Union
    Similarity Rank: 749
    Raccoon Valley Bank
    Similarity Rank: 828
    Luana Savings Bank
    Similarity Rank: 1248

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,938 $486,000,000 $250,774 $2,216 3.11%
    FHA 194 $31,910,000 $164,485 $5,504 3.17%
    VA 125 $35,535,000 $284,280 $5,372 2.85%
    USDA 65 $9,845,000 $151,462 $3,997 2.91%

    For 2020, Lincoln Savings Bank's most frequently originated type of loan was Conventional, with 1,938 originations. Their 2nd most popular type was FHA, with 194 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,159 $239,695,000 $206,812 $3,298 3.11%
    Refi 931 $270,275,000 $290,306 $2,104 3.04%
    Cash Out Refi 225 $51,045,000 $226,867 $2,476 3.19%
    Home Improvement 7 $2,275,000 $325,000 $1,597 4.10%

    For 2020, Lincoln Savings Bank's most frequently cited loan purpose was Home Purchase, with 1,159 originations. The 2nd most popular reason was Refi, with 931 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,850 $406,340,000 $219,643 $2,911 3.09%
    15 Year 310 $63,110,000 $203,581 $2,028 2.64%
    20 Year 60 $13,910,000 $231,833 $1,725 3.36%
    10 Year 47 $19,485,000 $414,574 $867 4.53%
    Other 27 $54,845,000 $2,031,296 $1,861 3.53%
    5 Year 15 $3,155,000 $210,333 $202 4.72%
    1 Year 12 $1,920,000 $160,000 $0 4.49%
    3 Year 1 $525,000 $525,000 $0 4.25%

    For 2020, Lincoln Savings Bank's most frequently cited loan duration was 30 Year, with 1,850 originations. The 2nd most popular length was 15 Year, with 310 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,603 $354,695,000 $221,269
    $1k-2k 449 $80,375,000 $179,009
    $2k-3k 102 $23,970,000 $235,000
    $3k-4k 33 $9,915,000 $300,455
    $4k-5k 13 $4,515,000 $347,308
    $5k+ 6 $4,510,000 $751,667

    Lincoln Savings Bank's average total fees were $2,911, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,603 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 901 $240,095,000 $266,476
    2.5-3% 867 $193,475,000 $223,155
    <2.5% 406 $89,520,000 $220,493
    4-5% 124 $38,150,000 $307,661
    5-6% 22 $2,000,000 $90,909
    6-7% 2 $50,000 $25,000

    During 2020, Lincoln Savings Bank's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 3-4%, with 901 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 992 $150,600,000 $151,815 $2,732 3.09%
    $200k-400k 962 $259,950,000 $270,218 $2,768 2.97%
    $100,000 or less 212 $15,140,000 $71,415 $2,133 3.53%
    $400k-600k 135 $62,345,000 $461,815 $2,790 3.08%
    $600k-1MM 11 $8,895,000 $808,636 $20,384 3.89%
    $1MM+ 10 $66,360,000 $6,636,000 $7,621 4.03%

    2020 saw Lincoln Savings Bank place emphasis on $100k-200k loans with 992 originations, totaling $150,600,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 552 $96,160,000 $174,203 $2,991 3.09%
    $100k-150k 473 $117,625,000 $248,679 $2,508 3.03%
    $75k-100k 410 $86,460,000 $210,878 $2,691 3.05%
    $50k or less 403 $51,365,000 $127,457 $2,875 3.14%
    $150k-250k 272 $84,640,000 $311,176 $2,475 2.97%
    $250k+ 95 $34,925,000 $367,632 $2,877 3.02%

    Lincoln Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 552 originations. The second most popular income band? $100k-150k, with 473 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 531 $116,335,000 $219,087 $2,283 2.99%
    30-36% 419 $92,025,000 $219,630 $2,631 3.04%
    <20% 228 $49,410,000 $216,711 $2,120 2.93%
    44% 103 $19,255,000 $186,942 $2,979 3.18%
    42% 96 $18,570,000 $193,438 $3,429 3.22%
    43% 92 $19,300,000 $209,783 $3,706 3.13%
    38% 88 $19,680,000 $223,636 $2,832 3.16%
    39% 87 $18,635,000 $214,195 $2,881 3.19%
    41% 84 $17,300,000 $205,952 $2,801 3.10%
    40% 81 $16,185,000 $199,815 $2,934 3.14%
    36% 67 $14,485,000 $216,194 $2,957 2.95%
    37% 66 $14,930,000 $226,212 $2,936 3.01%
    45% 58 $12,810,000 $220,862 $3,151 3.14%
    46% 50 $10,670,000 $213,400 $3,361 3.04%
    48% 48 $10,190,000 $212,292 $3,386 3.08%
    49% 45 $9,085,000 $201,889 $3,160 2.92%
    47% 37 $7,845,000 $212,027 $3,569 2.97%
    50-60% 22 $4,370,000 $198,636 $4,964 3.01%
    >60% 3 $575,000 $191,667 $2,315 5.33%

    Lincoln Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 531 originations. The next most common DTI ratio? 30-36%, with 419 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,037 $438,975,000 $215,501 $2,716 3.06%
    Not applicable 63 $77,785,000 $1,234,683 $0 4.40%
    Not provided 126 $27,020,000 $214,444 $2,730 3.03%
    Asian 51 $9,975,000 $195,588 $2,898 3.01%
    Black 36 $7,810,000 $216,944 $3,544 3.17%
    American Indian 4 $930,000 $232,500 $2,973 3.25%
    Other Asian 2 $280,000 $140,000 $3,519 3.25%
    Asian Indian 1 $255,000 $255,000 $3,857 3.50%
    Native Hawaiian or Islander 1 $175,000 $175,000 $5,035 2.63%
    Native Hawaiian 1 $85,000 $85,000 $3,712 2.88%

    Approval Rates

    Total approvals of all applications
    96.30%

    Lincoln Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    74.63%

    Lincoln Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,322 $563,290,000 $242,588

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 24 $70,830,000 $2,951,250
    Single Family (1-4 Units):Manufactured 6 $760,000 $126,667
    Single Family (1-4 Units):Site-Built 2,292 $491,700,000 $214,529

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 75 $15,705,000 $209,400 $1,954 3.14%
    40-60% 220 $49,600,000 $225,455 $1,969 2.94%
    60-80% 839 $247,185,000 $294,619 $2,169 3.07%
    80-100% 1,145 $241,855,000 $211,227 $3,175 3.10%
    Over 100% 23 $6,595,000 $286,739 $10,915 2.87%
    Under 20% 20 $2,350,000 $117,500 $502 4.87%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Lincoln Savings Bank 1025 Main St Grinnell, IA 50112 Full Service B&M $50,614
    Lincoln Savings Bank 111 East Traer Greene, IA 50636 Full Service B&M $55,120
    Lincoln Savings Bank 121 Cedar Street Nashua, IA 50658 Full Service B&M $20,411
    Lincoln Savings Bank 13523 University Avenue Clive, IA 50325 Full Service B&M $200,010
    Lincoln Savings Bank 1375 Sw State Street Ankeny, IA 50023 Full Service B&M $58,375
    Lincoln Savings Bank 141 Eldora Road Hudson, IA 50643 Full Service B&M $43,092
    Lincoln Savings Bank 1922 Ingersoll Avenue Des Moines, IA 50309 Full Service B&M $6,474
    Lincoln Savings Bank 214 West Fourth Street Tama, IA 52339 Full Service B&M $60,654
    Lincoln Savings Bank 225 West Viking Road Cedar Falls, IA 50613 Full Service B&M $15,752
    Lincoln Savings Bank 237 Main Street Garwin, IA 50632 Full Service B&M $15,661
    Lincoln Savings Bank 242 Tower Park Drive Waterloo, IA 50701 Full Service B&M $60,495
    Lincoln Savings Bank 301 Washington Street Cedar Falls, IA 50613 Full Service B&M $75,209
    Lincoln Savings Bank 312 Nile Kinnick Drive South Adel, IA 50003 Full Service B&M $99,647
    Lincoln Savings Bank 313-315 Main Street Lincoln, IA 50652 Full Service B&M $12,058
    Lincoln Savings Bank 400-404 Main Street Allison, IA 50602 Full Service B&M $56,099
    Lincoln Savings Bank 508 Main Street Reinbeck, IA 50669 Full Service B&M $261,633
    Lincoln Savings Bank 932 Parrott Aplington, IA 50604 Full Service B&M $32,770

    For 2020, Lincoln Savings Bank had 17 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $60,255
    Net interest income $50,066
    Total noninterest income $27,898
    Gross Fiduciary activities income $712
    Service charges on deposit accounts $973
    Trading account gains and fees $0
    Additional Noninterest Income $26,213
    Pre-tax net operating income $12,221
    Securities gains (or losses, -) $-26
    Income before extraordinary items $9,524
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,524
    Minority interest net income $0
    Net income $9,524
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,544

    Lincoln Savings Bank's gross interest income from loans was $60,255,000.
    Lincoln Savings Bank's net interest income from loans was $50,066,000.
    Lincoln Savings Bank's fee based income from loans was $973,000.
    Lincoln Savings Bank's net income from loans was $9,524,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,189
    Provision for credit losses $8,160
    Total noninterest expense $57,583
    Salaries and employee benefits $34,873
    Premises and equipment expense $5,909
    Additional noninterest expense $16,801
    Applicable income taxes $2,671
    Net charge-offs $5,471
    Cash dividends $2,048

    Lincoln Savings Bank's interest expense for loans was $10,189,000.
    Lincoln Savings Bank's payroll and benefits expense were $34,873,000.
    Lincoln Savings Bank's property, plant and equipment expenses $5,909,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 3.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,200,784
    Deposits held in domestic offices $1,200,784
    Deposits by Individuals, partnerships, and corporations $1,003,578
    Deposits by U.S. Government $16
    Deposits by States and political subdivisions in the U.S. $194,961
    Deposits by Commercial banks and other depository institutions in U.S. $2,229
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $162,342
    Demand deposits $64,054
    Nontransaction accounts $1,038,442
    Money market deposit accounts (MMDAs) $248,090
    Other savings deposits (excluding MMDAs) $530,512
    Total time deposits $259,839
    Total time and savings deposits $1,136,730
    Noninterest-bearing deposits $222,794
    Interest-bearing deposits $977,990
    Retail deposits $1,010,285
    IRAs and Keogh plan accounts $26,859
    Brokered deposits $86,360
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,425,174
    Cash & Balances due from depository institutions $102,987
    Interest-bearing balances $92,711
    Total securities $151,383
    Federal funds sold & reverse repurchase $3,532
    Net loans and leases $1,080,189
    Loan and leases loss allowance $16,948
    Trading account assets $0
    Bank premises and fixed assets $36,611
    Other real estate owned $468
    Goodwill and other intangibles $18,913
    All other assets $31,091

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,425,174
    Total Liabilities $1,263,902
    Total deposits $1,200,784
    Interest-bearing deposits $977,990
    Deposits held in domestic offices $1,200,784
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $2,917
    Trading liabilities $0
    Other borrowed funds $50,340
    Subordinated debt $0
    All other liabilities $9,861

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,080,189
    Loan and leases loss allowance $16,948
    Total loans and leases (domestic) $1,097,137
    All real estate loans $844,227
    Real estate loans in domestic offices $844,227
    Construction and development loans $98,577
    Residential 1-4 family construction $36,233
    Other construction, all land development and other land $62,344
    Loans secured by nonfarm nonresidential properties $317,808
    Nonfarm nonresidential secured by owner-occupied properties $108,436
    Commercial real estate & other non-farm, non-residential $209,372
    Multifamily residential real estate $118,333
    1-4 family residential loans $188,342
    Farmland loans $121,167
    Loans held in foreign offices $0
    Farm loans $63,440
    Commercial and industrial loans $179,062
    To non-U.S. addressees $0
    Loans to individuals $9,727
    Credit card loans $0
    Related Plans $4,548
    Consumer Auto Loans $2,741
    Other loans to individuals $2,438
    All other loans & leases $681
    Loans to foreign governments and official institutions $0
    Other loans $56
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $27,305
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,142
    Non 1-4 family restructured loans & leases $3,460
    Total loans and leases (foreign) $0

    Lincoln Savings Bank had $1,080,189,000 of loans outstanding in 2020. $844,227,000 of loans were in real estate loans. $98,577,000 of loans were in development loans. $118,333,000 of loans were in multifamily mortgage loans. $188,342,000 of loans were in 1-4 family mortgage loans. $63,440,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,741,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 278 $70,422 $253,317
    Nonfarm, nonresidential loans - <$100k 60 $2,922 $48,700
    Nonfarm, nonresidential loans - $100-250k 89 $12,513 $140,596
    Nonfarm, nonresidential loans - $250k-1MM 129 $54,987 $426,256
    Commercial & Industrial, US addressed loans - <$1MM 962 $73,391 $76,290
    Commercial & Industrial, US addressed loans - <$100k 667 $14,967 $22,439
    Commercial & Industrial, US addressed loans - $100-250k 166 $17,922 $107,964
    Commercial & Industrial, US addressed loans - $250k-1MM 129 $40,502 $313,969
    Farmland loans - <$1MM 295 $47,083 $159,603
    Farmland loans - <$100k 78 $3,596 $46,103
    Farmland loans - $100-250k 116 $15,303 $131,922
    Farmland loans - $250k-1MM 101 $28,184 $279,050
    Agriculture operations loans - <$1MM 447 $29,684 $66,407
    Agriculture operations loans - <$100k 276 $7,151 $25,909
    Agriculture operations loans - $100-250k 110 $11,501 $104,555
    Agriculture operations loans - $250k-1MM 61 $11,032 $180,852